Hi!
I’m a 25 year old which just over 20k and I reside in Washington state. My car (which I got with a loan) recently stopped working and I can’t afford to fix it and pay my other bills. I have a mortgage with my fiancée and I am scared to death that if I file for bankruptcy chapter 7 or 13 that we might lose the house which is all I really have in my name. I like to think that I’m pretty young and could rebuild my credit score over time or move to Mexico (I have family there ) where my credit score doesn’t mean crap either way I feel like I’m drowning and I don’t know if filing for bankruptcy is going to help. Here is a bit of a breakdown of my expenses and my income if it would help with any advice;
Car payment; $190 total owed 5200
Credit card #1; $160 today owed 7000
Credit card #2: $25 total owed 820
Debt collectors ; $100 total owed $5600ish
Mortgage : $2000 I split this with my fiancée
On average I make 1600 after taxes biweekly
submitted by /u/Any_Kaleidoscope_100
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